World of Hyatt Credit Card Vs World of Hyatt Business Card: Comparison

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Chase recently added the World of Hyatt Business Credit Card to its small-business credit card lineup. The new card joins The World Of Hyatt Credit Card as the only two Hyatt co-branded cards available. 

Read more: Chase just launched a brand-new Hyatt business credit card — and it offers a hefty 75,000-point bonus and benefits ideal for Hyatt loyalists

This is great news for Hyatt fans, as it unlocks more opportunities to earn Hyatt points for free stays and adds another credit card option. Considering Hyatt has some of the best award prices with free nights starting at just 3,500 Hyatt points for off-peak Category 1 hotels, a new way to earn points can translate to many more award stays in your future. 

But the two cards don’t have the same features. The World Of Hyatt Credit Card rewards consumers just for having it, whereas the World of Hyatt Business Credit Card requires big spending to unlock its most valuable benefits. 

The perks, welcome offers, and annual fees are also different. Let’s see how these two Hyatt cards compare to one another. 

Comparison: Hyatt credit card vs Hyatt business credit card

*Bonus points at Hyatt hotels are in addition to the points members would normally earn from a stay

***Top three spend categories until December 31, 2022, then top two spend categories thereafter (eligible categories are dining, airline tickets purchased directly with the airline, car rental agencies, local transit and commuting, gas stations, internet, cable, and phone services, social media and search engine advertising, and shipping)

****The World Of Hyatt Credit Card offers an annual free night award each year after your account anniversary for participating Category 1 to 4 World of Hyatt properties 

Welcome bonuses

With The World Of Hyatt Credit Card, you can earn 30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar spent on purchases that normally earn 1 point, up to $15,000 in the first six months of account opening.

And the World of Hyatt Business Credit Card has a welcome offer of 75,000 bonus points after you spend $7,500 within the first three months of account opening.

Read more: The best travel rewards credit cards available now

The World Of Hyatt Credit Card requires double the spending to unlock the full bonus, and that bonus is 15,000 Hyatt points lower than the welcome offer on the World of Hyatt Business Credit Card. However, you need to spend more money in a shorter timeframe to get the bonus points with the World of Hyatt business card. 

There isn’t a right or wrong choice here, but I’d personally prefer to spend less to unlock the bigger bonus on the World of Hyatt Business Credit Card. The nice thing about The World Of Hyatt Credit Card offer, though, is you get six months to complete the spending requirements. Decisions! 

Do you have a small business? 

The next question is the make-or-break point for many people: Do you have a small business that aims to make a profit? If you don’t, The World Of Hyatt Credit Card is clearly the better choice. 

Read more: Guide to the best small-business credit cards

But don’t take the World of Hyatt Business Credit Card out of the running just yet. If you have a side job, such as a teaching gig, photography business, coaching service, or other venture, you might qualify for a small-business credit card. You don’t need a huge income from your business, but as long as you’re in it to make money, you stand a favorable chance to apply for a small-business credit card as a sole proprietor. 

What’s your 5/24 status and do you care about maintaining it? 

Both of these Chase cards are subject to Chase’s 5/24 rule, which says Chase won’t approve you for any of their cards if you’ve opened five or more credit cards across all banks in the last 24 months. If you have, consider neither of these cards until your 5/24 status changes. 

The other thing to consider is that while both of these cards are subject to the rule, the World of Hyatt Business Credit Card doesn’t count toward it. This is because certain small-business credit cards, including Chase small-business cards, don’t appear on your personal credit report. 

Read more: Banks like American Express and Capital One have restrictions on how many cards you open — knowing the rules is key for anyone looking to earn rewards

Because of this rule, it’s important to choose your Chase cards carefully. Chase has some of the


best credit cards

available, so select the Hyatt card you want the most while keeping this rule in mind. 

Earning Hyatt points

Both of these cards earn 4 Hyatt points per dollar spent at Hyatt hotels, in addition to the 5 points per dollar you earn for being a World of Hyatt member, for a total of 9x points on Hyatt stays. Both also offer 2 Hyatt points per dollar spent on fitness club and gym memberships. 

The World Of Hyatt Credit Card also earns 2x Hyatt points at restaurants, on airline tickets purchased directly from the airline, and on local transit and commuting, including taxis, tolls, and rideshare services like Uber and Lyft. If you sign-up with the current The World Of Hyatt Credit Card offer, you’ll also earn 2x points on all purchases, on up to $15,000 spent in the first six months of account opening. 

Read more: How to earn, redeem, and maximize World of Hyatt points

The World of Hyatt Business Credit Card allows you to earn 2x points in your top three eligible spending categories each quarter through December 31, 2022. After that date, you’ll earn 2x points in your top two eligible spending categories, which include: 

  • Dining 
  • Airline tickets purchased directly with the airline 
  • Gas stations 
  • Local transit and commuting 
  • Car rental agencies 
  • Internet, cable, and phone services 
  • Social media and search engine advertising 
  • Shipping

There’s a lot of overlap with The World Of Hyatt Credit Card bonus categories, as well as a few additional ones. These categories are dynamic, meaning they shift according to your spending patterns, and there’s no limit to how many bonus points you can earn. 

While both cards offer a variety of bonus categories, it’s important to note that many of these same categories are available with other Chase Ultimate Rewards cards at higher point multipliers. For example, the Ink Business Preferred® Credit Card offers 3x Chase Ultimate Rewards points on up to $150,000 in combined spending each year (then 1x) on shipping purchases, advertising purchases on social media sites and search engines, internet, cable, and phone services, and travel, including airfare, hotels, and rental cars.

The Chase Ultimate Rewards points you earn with this card transfer directly to Hyatt at a 1:1 ratio. So if it’s just Hyatt points you want, there are other Chase cards that are better for that. 

Read more: You can transfer Chase points to 14 airline and hotel partners, and it’s one of the best ways to get maximum value from your rewards

Between the two Hyatt cards, The World Of Hyatt Credit Card offer is excellent for 2x points on up to $15,000 spent on any purchase within the first six months of account opening. But ongoing, the World of Hyatt Business Credit Card will likely earn you more Hyatt points for your spending thanks to the auto-adjusting bonus categories. 

Is Hyatt elite status important to you?

Both Hyatt credit cards offer a path to more elite-qualifying nights through spending. But the amounts you’ll need to spend and what you’ll get for that spend vary. 

Every time you spend $5,000 on The World Of Hyatt Credit Card, you’ll earn two nights toward elite status with Hyatt. And when you spend $15,000 in a calendar year, you’ll earn another award night to use at any Hyatt Category 1 through 4 hotel. 

With the World of Hyatt Business Credit Card, you’ll earn five tier-qualifying night credits for every $10,000 you spend.  

Read more: Thanks to a unique feature of the World of Hyatt credit card, I was able to earn Globalist status, with perks like suite upgrades and a personal concierge

If you spent $30,000 on The World Of Hyatt Credit Card, you’d earn 12 elite-qualifying nights. With the World of Hyatt Business Credit Card, you’d earn 15 — which is 20% more. 

On the flip side, you’ll need to spend more to get more with the World of Hyatt Business Credit Card, so it’s clearly set up to encourage spending. 

Also, keep this in mind. With The World Of Hyatt Credit Card, you start each elite status year with five qualifying nights just for having the card – no spend required. And you can earn an additional free night award through spending. The World of Hyatt Business Credit Card doesn’t offer any automatic elite qualifying nights or an opportunity to earn additional free nights through spending – a sore oversight and worth considering if both of these cards are options. 

Do you want to share elite status perks with others?

With both The World Of Hyatt Credit Card and World of Hyatt Business Credit Card, you’ll get automatic Discoverist elite status, which gets you perks like 2 p.m. late checkout and upgrades when available, premium internet, and a 10% points bonus on paid stays. 

But the World of Hyatt Business Credit Card allows you to give Discoverist elite status to up to five company employees. These recipients don’t need to be an authorized user. You can simply plug-in their World of Hyatt number to activate their status. 

Read more: 11 credit cards that get you hotel elite status just by having them in your wallet

Hyatt Discoverist status is the lowest elite status tier, but could potentially be useful in certain situations, especially if Hyatt hotels are part of your travels. 

Will you use the World of Hyatt business card’s benefits? 

The World of Hyatt Business Credit Card comes with up to $100 in Hyatt credits each anniversary year, broken into two $50 credits when you spend $50+ at any Hyatt hotel. That goes a long way toward effectively reducing the card’s $199 annual fee down to $99, which is nearly the same as the $95 annual fee on The World Of Hyatt Credit Card. 

And when you spend $50,000 in a calendar year, you’ll also get 10% of your redeemed points back after you reach the spending threshold, but it’s limited to 20,000 points per calendar year. That means you need to spend $50,000 to receive a 10% rebate on up to 200,000 redeemed points, which isn’t a great deal, but handy if you’re going to spend that much on the card anyway. 

The World of Hyatt Business Credit Card also includes a free one-year subscription to Headspace, a


meditation

app that usually costs $69.99. To get it, you must apply for the card by December 31, 2021, and redeem the subscription by December 31, 2022. It’s a nice perk if you’ll use it, but obviously no real added value to your Hyatt stays. 

Is the annual fee a factor?

If you have two paid Hyatt stays per year, it’s easy to get the two $50 statement credits from having the World of Hyatt Business Credit Card. That nearly halves the card’s $199 annual fee down to $99, plus you get Discoverist elite status, the 10% points rebate, and the dynamic 2x bonus categories. 

Compare that with The World Of Hyatt Credit Card, which gives you Discoverist elite status, a free award night at any Category 1 through 4 Hyatt hotel, and five elite-qualifying nights just for having the card. 

Both annual fees are well worth it if you’ll use the benefits. It’s just that the World of Hyatt Business Credit Card makes you spend more money to access the best of them. If your small business spends a lot organically, this isn’t an issue. But if you want a rewarding card without added effort, The World Of Hyatt Credit Card is easier to get value from both right away and long-term. 

Bottom line

Whether the The World Of Hyatt Credit Card or World of Hyatt Business Credit Card is the right choice for you will come down to the benefits you’ll use, which welcome offer you prefer, whether or not you have a small business, your 5/24 status, and which annual fee you find more reasonable. 

They are both worthwhile cards that pair well with Hyatt hotel stays. Small-business owners can do well with the World of Hyatt Business Credit Card, but most casual travelers will likely prefer the ease and rewards offered by The World Of Hyatt Credit Card. 

For more information on these cards, here’s our World of Hyatt card review and our World of Hyatt business card review to help you decide which is best for you.

Featured credit cards from our partners

Featured Reward

60,000 points

Credit Needed

Good to Excellent

Featured Reward

3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

Credit Needed

Good to Excellent

Featured Reward

$200 after spending $500 on purchases in the first three months from account opening

Credit Needed

Good to Excellent

Sulema Pringle

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